Senior Forums - Health Insurancehttp://www.seniorforums.com/
Medicare, medicaid, Obamacare/Affordable Care Act, disability, etc.enThu, 21 Mar 2019 20:12:19 GMTvBulletin60http://www.seniorforums.com/images/misc/rss.pngSenior Forums - Health Insurancehttp://www.seniorforums.com/
Anyone Else Here Wing It with Straight Medicare?http://www.seniorforums.com/showthread.php/40279-Anyone-Else-Here-Wing-It-with-Straight-Medicare?goto=newpost
Wed, 20 Mar 2019 21:16:52 GMTBack 15 yrs when I was eligible there were no options like today, the F, G N etc.........and so I opted for regular good ole medicare and about that...Back 15 yrs when I was eligible there were no options like today, the F, G N etc.........and so I opted for regular good ole medicare and about that time time Part D for prescriptions was being offered and as I recall $7 a month, I declined it too as I am very alterantive in my healing and would rather spend my money on nutritional supplements to keep me away from the pharma drugs. I was 65 and healthy and want to keep thinking that way.

I didn't even buy into a supplement as I could not spend $200-300 month for that...and again I keep myself healthy with what I take and do.

I've had 2 issues and have made it very well with what I buy....the premium continues to increase as do the deductibles but it's working for me.

I often have thought the more insurance one buys and the providers know this, of course, the more they jack up the bills since they know they will get more $$$...

I'd rather keep my money than give it to them.
]]>Health Insurancejaminhealthhttp://www.seniorforums.com/showthread.php/40279-Anyone-Else-Here-Wing-It-with-Straight-MedicareYoutube for medicare educationhttp://www.seniorforums.com/showthread.php/40210-Youtube-for-medicare-education?goto=newpost
Sat, 16 Mar 2019 17:45:24 GMTGo to youtube and type in information like your plan or anything you want to know and many links will pop up.
Ive found three very knowledgeable...Go to youtube and type in information like your plan or anything you want to know and many links will pop up.

Ive found three very knowledgeable people and they have a responsibility to inform on best plans.

A man name Chris Westfall, Boomer Benefits and Matthew Claassen. Ive learned a lot from Chris Westfall. But a combined from the three. Ive spoken with Chris and Matthew both. I have not been hounded or emailed one time. Ironically not every agent knows all. There are different experiences with client and the knowledge factor is so important. They all three seem to be very quailfied.

I am in the process of selecting my plan now. It may take up until April 1. Then I turn 65 May 4 and my private insurance stops end of April. I am trying to factor in monthly expenses, the price of the plan, plan increases and plan usage. Which one plan has copays. I am in excellent health and have not had anything major since cancer in 2005. Imhad a lumpectomy and refused radiation. I also wonder if I really had it. But then i cant prove it was not cancer. But I am aware,of the unknown factor. I am wanting insurance for future not for now. Its that unknown thats make me realize I better get this right or give it the best effort I can.

Anyway, I had complained, groaned and whined it was all confusing. But I realize I need to buck up and do the work so I wont be surprised or feel ripped off, depressed or all those other emotions we feel when we've made the wrong decision.

Im feeling great now and see the doc about 2 to 3 times a year, if I get an earache. But nothing else significant. I am my own best advocate and I neex to know.

Good luck.
]]>Health InsurancePauline1954http://www.seniorforums.com/showthread.php/40210-Youtube-for-medicare-educationLooking at these three planshttp://www.seniorforums.com/showthread.php/40203-Looking-at-these-three-plans?goto=newpost
Sat, 16 Mar 2019 04:25:00 GMTI have been reading a lot, watching youtube medicare videos for about 4 weeks. Im very artistic right brained. And this left brain learning was a bit...I have been reading a lot, watching youtube medicare videos for about 4 weeks. Im very artistic right brained. And this left brain learning was a bit of a struggle. But im feeling better about it. Here are the three plan that sound interesting.
I believe another member suggested an hospital indemnity plan with plan F.

MEDI-PAK PLAN N MONTHLY COST $110.00
$185.00 yearly deductible
And , Up to 20$ copay per dr visit and $50 hospital if I am not admitted.

MEDI-PAK PLAN G MONTHLY COST $143.30
$185.00
]]>Health InsurancePauline1954http://www.seniorforums.com/showthread.php/40203-Looking-at-these-three-plansLooking at plan G and Nhttp://www.seniorforums.com/showthread.php/40201-Looking-at-plan-G-and-N?goto=newpost
Sat, 16 Mar 2019 02:53:36 GMTIm looking at plan g and n.
Anyone have any advice or experience with either one?
Thank youIm looking at plan g and n.
Anyone have any advice or experience with either one?

Thank you
]]>Health InsurancePauline1954http://www.seniorforums.com/showthread.php/40201-Looking-at-plan-G-and-NHigh F plans vs Ghttp://www.seniorforums.com/showthread.php/40185-High-F-plans-vs-G?goto=newpost
Fri, 15 Mar 2019 00:41:55 GMTHi All,
I'm approaching medicare age and researching the options.
I have narrowed it down to either High F(soon to be high G) or a G plan.
Doing the numbers up here in NH. I can get a high F plan for about $55. G for about $151.
The High F deductible is about $2300.
The out of pocket range for High F is: $660 -- $2960.
The out of pocket range for G is: $1817 -- $2002 (added in the $185 deductible).
So in a good healthy year I think there is the opportunity for substantial savings .... close to $1000.
In a very bad year its about a $1000 more for High F.

Now we know that medical costs can add up very quickly but for medicare those costs are the "medicare-approved" costs which are very low.
I expect that a dr visit might cost $20. I tried to cost out an upcoming colonoscopy with a biopsy (putting it into a "diagnostic" category) and I think
the total for medicare approved amounts would be under a $1000 ... that includes Dr cost, Hospital cost, Anesthesia cost, and biopsy cost. It was horribly difficult
figuring that out and thats a complete other discussion! But 20% of $1000 is $200. Lets say I go to a Dr about 20 times a year (seems like a lot ) which might
cost about $200 total .... add a significant procedure at $200. Probably a bunch of lab tests ... $100?
Total for the year about $500. Ill throw in a knee surgery and maybe a prostate procedure ... lets call it $900 for the year :)
Even with all that on High F that would be $660+$900= $1500. Savings of about $500 over plan G! And thats what I would call a bad year.
It seems like you would need something terribly go wrong to make High F more expensive ... something that requires lengthy hospital stays probably.

So am I missing something? Does anyone have High F experience ?

Thanks for you input!
Larry
]]>Health Insurancenhhillriderhttp://www.seniorforums.com/showthread.php/40185-High-F-plans-vs-GSwitch Plans??http://www.seniorforums.com/showthread.php/39900-Switch-Plans?goto=newpost
Fri, 22 Feb 2019 11:47:44 GMTCan I switch from Plan *F* to Plan *G* now or do I have to wait for the Open Enrollment??Can I switch from Plan F to Plan G now or do I have to wait for the Open Enrollment??
]]>Health InsuranceKen N Txhttp://www.seniorforums.com/showthread.php/39900-Switch-PlansCanadian with a question for American retirees about health care costshttp://www.seniorforums.com/showthread.php/39848-Canadian-with-a-question-for-American-retirees-about-health-care-costs?goto=newpost
Wed, 20 Feb 2019 04:42:19 GMTHi all;

I’ve been reading many on-line forums about retirement and most are U.S. based. Naturally health insurance and health care costs are a significant factor for many Americans who are retiring or are already retired, especially those on a tighter budget.

As a Canadian, the only health care expenses I have are dental and drug costs (for prescriptions, we pay a $100 deductable and then drugs are about 6 bucks a prescription after that.) I don’t have to pay for hospital stays, doctor visits, medical testing, etc. For example: my father, who is 98, was recently admitted to hospital after a fall in his seniors residence. He was in the hospital for a month, during which time he had several cat scans, xrays, physio and OT. He paid nothing-- except for the ambulance. An American aquaintance told me that if this had happened to her father, he would have born significant costs.

My question is: how do my neighbours to the south manage retirement with health care costs? What portion of your monthly expenses are set aside for premiums?